Citi PremierMiles Card vs HSBC Visa Signature Card
Compare Citi PremierMiles Card, HSBC Visa Signature Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Citi PremierMiles Card |  HSBC Visa Signature Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 50Fair Highest | 39Basic |
|---|---|---|
| Airport lounge | 43/100 | – |
| No annual fee | – | 42/100 |
| Rewards | 45/100Highest | 30/100 |
| Sign-up bonus | 63/100Highest | 44/100 |
| Travel | 48/100 | – |
The basics
| Card tier | Platinum | Signature |
|---|---|---|
| Card type | Not published | Visa |
| Credit rating | Not published | Not published |
| Rewards program | Citi ThankYou Rewards | HSBC RewardCash |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | Not published |
|---|---|---|
| Minimum income | HK$120,000 p.a.Lowest | HK$240,000 p.a. |
| Residency | Not published | Not published |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 58 daysHighest | Up to 56 days |
|---|---|---|
| Minimum repayment | a. The total of all the current month's interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (where applicable) | (a) Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or (b) HKD300, whichever is higher; plus overdue or overlimit due |
Rates & fees
Ongoing interest rates
| Purchases | 31.00% p.a.Lowest | 31.80% p.a. |
|---|---|---|
| Cash advances | 31.00% p.a.Lowest | 31.80% p.a. |
Fees
| Annual fee | HK$1,800 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900Lowest | HK$1,000 |
| Cash advance fee | — | 1% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$300 | HK$300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 12 Points per HK$8 | 1.6 RewardCash dollars per HK$100 |
|---|---|---|
| Bonus categories | None | 3.6 RewardCash dollars per HK$100 in bonus categories |
| Other purchases | None | None |
| Overseas spend | 12 Points per HK$3 on overseas spend | None |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | Points earned on Citi PremierMiles Card are evergreen. | — |
| Estimated annual points | 294,000 ptsWorth HK$2,205Highest | 1,376 ptsWorth HK$1,376 |
Sign-up bonus
| Sign-up bonus | 240,000 pointsHighest | 800 points |
|---|---|---|
| Bonus spend required | — | — |
Transfer partners
| Cathay (Asia Miles) | 12 pts → 1 pt (≈ 0.13 pts per HK$1) | — |
|---|
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards